1 Acceptance and Modification of Terms

Your continued use of selunthara's platform constitutes acceptance of these terms and any modifications we make. We reserve the right to update these terms at any time, and we'll notify you of significant changes through email or prominent notice on our website.

Changes become effective immediately upon posting unless otherwise specified. We recommend reviewing these terms periodically. Your continued use after changes means you accept the modified terms.

2 User Accounts and Registration

Account Creation

To access certain features of our budget forecasting platform, you'll need to create an account. When registering, you agree to provide accurate, current, and complete information. You're responsible for maintaining the confidentiality of your account credentials.

• You must be at least 18 years old to create an account
• Each user may maintain only one active account
• You're responsible for all activities under your account
• Notify us immediately of any unauthorized access
• We're not liable for losses from unauthorized use of your account

Account Security

You must keep your password secure and not share it with others. We recommend using strong passwords and changing them regularly. Don't use the same password across multiple platforms.

3 Educational Services and Content

selunthara provides educational resources and tools focused on budget forecasting and financial planning. Our courses, workshops, and materials are designed for educational purposes and general information.

Service Availability

We aim to keep our platform accessible, but we don't guarantee uninterrupted service. Maintenance, updates, or technical issues may occasionally limit availability. We'll try to minimize disruptions and provide advance notice when possible.

• Services are provided on an "as is" and "as available" basis
• We may modify, suspend, or discontinue services with reasonable notice
• Scheduled maintenance will be announced in advance when feasible
• Emergency maintenance may occur without prior notice

Course Enrollment

When you enroll in our courses starting in autumn 2025, you're committing to participate in good faith. Course schedules, content, and instructors are subject to change based on availability and educational requirements.

4 User Conduct and Responsibilities

When using selunthara's platform, you agree to conduct yourself professionally and respectfully. We've built a community of learners who support each other, and we expect all users to contribute positively.

Prohibited Activities

You may not engage in activities that harm our platform, other users, or violate applicable laws. The following behaviors are strictly prohibited:

• Posting false, misleading, or defamatory content
• Harassing, threatening, or intimidating other users
• Attempting to access unauthorized areas of our platform
• Distributing malware, viruses, or harmful code
• Scraping, copying, or automatically collecting our content
• Impersonating others or misrepresenting your identity
• Sharing your account credentials with unauthorized persons
• Using our platform for commercial purposes without permission

Content Standards

Any content you post or submit must comply with Australian laws and community standards. We reserve the right to remove content that violates these terms or that we deem inappropriate for our educational environment.

5 Intellectual Property Rights

All content on selunthara's platform, including courses, materials, tools, graphics, and software, is protected by copyright, trademark, and other intellectual property laws. We or our licensors own these rights.

License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal educational purposes. This license doesn't include rights to:

• Reproduce or redistribute our content without permission
• Create derivative works based on our materials
• Use our content for commercial purposes
• Remove copyright notices or proprietary markings
• Access our platform through automated means without authorization

User-Generated Content

When you submit content to our platform, including forum posts, comments, or project work, you retain ownership but grant us a worldwide, royalty-free license to use, display, and distribute that content as part of our services.

You represent that any content you submit doesn't infringe on others' rights and that you have permission to share it. We may use your submissions for educational purposes, testimonials, or promotional materials unless you specifically request otherwise.

6 Payment Terms and Refunds

Payment Processing

Payments for courses and services are processed securely through third-party payment processors. You agree to provide accurate payment information and authorize us to charge the applicable fees.

All fees are listed in Australian dollars and include applicable taxes unless otherwise stated. Prices are subject to change with reasonable notice, though changes won't affect courses you've already enrolled in.

Refund Policy

We want you to be satisfied with your educational experience. If you're not happy with a course, you may request a refund within 14 days of enrollment, provided you haven't accessed more than 25% of the course content.

• Refund requests must be submitted in writing to info@selunthara.com
• Processing typically takes 5-10 business days
• Some promotional offerings may have different refund terms
• Completed courses are not eligible for refunds

7 Privacy and Data Protection

We take your privacy seriously and handle your personal information according to our Privacy Policy and Australian privacy laws. By using our platform, you consent to our collection and use of information as described in our Privacy Policy.

Data Security

We implement reasonable security measures to protect your information, but no system is completely secure. You acknowledge that any data transmission over the internet carries inherent risks.

8 Disclaimers and Limitations

Our educational content is provided for general information purposes. While we strive for accuracy, we make no warranties about the completeness, reliability, or suitability of our content for your specific needs.

Educational Nature

selunthara provides education on budget forecasting, not personalized financial advice. You should consult qualified professionals before making significant financial decisions. Our tools and resources are educational aids, not substitutes for professional judgment.

• We don't guarantee specific outcomes or results from our courses
• Individual success depends on many factors outside our control
• Past performance or case studies don't predict future results
• You're responsible for applying what you learn appropriately

Limitation of Liability

To the maximum extent permitted by Australian law, selunthara and its directors, employees, and affiliates are not liable for indirect, incidental, special, or consequential damages arising from your use of our platform.

Our total liability for any claims related to our services is limited to the amount you paid us in the 12 months preceding the claim. This doesn't affect statutory rights that cannot be excluded by law.

9 Termination and Suspension

We may suspend or terminate your account if you violate these terms, engage in prohibited activities, or for other legitimate reasons. You may also close your account at any time by contacting us.

Effect of Termination

Upon termination, your right to access our platform ends immediately. We may retain certain information as required by law or for legitimate business purposes. You remain responsible for any outstanding fees or obligations.

• Access to course materials may be revoked upon termination
• Completed coursework and certificates remain valid
• No refunds for time remaining on terminated accounts
• We'll provide reasonable notice before termination unless prohibited by law

10 Dispute Resolution and Governing Law

These terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of courts in New South Wales.

Resolution Process

If you have a concern or dispute, please contact us first. We'll work with you in good faith to resolve issues informally. Most concerns can be addressed through direct communication.

If informal resolution doesn't work, we both agree to attempt mediation before pursuing legal action. This helps save time and costs for everyone involved.

11 General Provisions

Entire Agreement

These terms, along with our Privacy Policy and any specific agreements for services you use, constitute the entire agreement between you and selunthara regarding your use of our platform.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. We'll replace invalid provisions with valid ones that closely match the original intent.

Waiver

Our failure to enforce any right or provision doesn't constitute a waiver of that right. Any waiver must be in writing and signed by an authorized representative.

Assignment

You may not transfer or assign your rights under these terms without our written consent. We may assign our rights and obligations to affiliates or in connection with a merger or sale of assets.